旼컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴커 � How To Start A Small Business (SBA Documentation) Page 28 � 쳐컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴캑 � Therefore, it is helpful if you work with these agencies to help them � � prepare an accurate picture of your business. Using the credit report, � � & the information you have provided, the lending officer will consider � � the following issues: � � � � � Have you invested savings or personal equity in your business totaling � � at least 25% - 50% of the loan you are requesting? Remember a lender � � or investor will not finance 100% of your business. � � � Do you have a sound record of credit worthiness as indicated by your � � credit report, work history & letters of recommendations? This is � � very important. � � � Do you have sufficient experience & training to operate a successful � � business? � � � Have you prepared a loan proposal & business plan which demonstrates � � your understanding of the business & your commitment to the success � � of the business? � � � Does the business have sufficient "cash flow" to make the monthly � � payments on the loan request? � � � � SBA FINANCIAL PROGRAMS � 읕컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴컴켸